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Axos Financial, Inc.（AX）与Dayforce（DAY）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是Axos Financial, Inc.的1.2倍（$481.6M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs -40.9%，领先72.6%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 9.8%）
Axos Financial是总部位于美国内华达州拉斯维加斯的银行控股公司，旗下拥有直销银行Axos Bank，同时提供注册投资顾问服务及电子交易平台，深耕数字化金融赛道，可为用户提供多元便捷的金融服务解决方案。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
AX vs DAY — 直观对比
营收规模更大
DAY
是对方的1.2倍
$392.2M
净利率更高
AX
高出72.6%
-40.9%
两年增速更快
AX
近两年复合增速
9.8%
损益表 — Q3 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $481.6M |
| 净利润 | $124.7M | $-196.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 31.8% | -40.9% |
| 营收同比 | — | 9.5% |
| 净利润同比 | 18.5% | -9940.0% |
| 每股收益（稀释后） | $2.15 | $-1.23 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AXDAY
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | — | ||
| Q3 25 | $323.4M | $481.6M | ||
| Q2 25 | $321.4M | $464.7M | ||
| Q1 25 | $308.8M | $481.8M | ||
| Q4 24 | $307.9M | $465.2M | ||
| Q3 24 | $320.7M | $440.0M | ||
| Q2 24 | $290.9M | $423.3M |
净利润AXDAY
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | — | ||
| Q3 25 | $112.4M | $-196.8M | ||
| Q2 25 | $110.7M | $21.3M | ||
| Q1 25 | $105.2M | $14.9M | ||
| Q4 24 | $104.7M | $10.8M | ||
| Q3 24 | $112.3M | $2.0M | ||
| Q2 24 | $104.9M | $-1.8M |
毛利率AXDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 44.1% |
营业利润率AXDAY
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | — | ||
| Q3 25 | 46.3% | 6.3% | ||
| Q2 25 | 48.5% | 9.1% | ||
| Q1 25 | 47.9% | 6.4% | ||
| Q4 24 | 48.8% | 6.1% | ||
| Q3 24 | 49.6% | 4.7% | ||
| Q2 24 | 49.6% | 3.3% |
净利率AXDAY
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | — | ||
| Q3 25 | 34.7% | -40.9% | ||
| Q2 25 | 34.4% | 4.6% | ||
| Q1 25 | 34.1% | 3.1% | ||
| Q4 24 | 34.0% | 2.3% | ||
| Q3 24 | 35.0% | 0.5% | ||
| Q2 24 | 36.0% | -0.4% |
每股收益（稀释后）AXDAY
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | — | ||
| Q3 25 | $1.94 | $-1.23 | ||
| Q2 25 | $1.89 | $0.13 | ||
| Q1 25 | $1.81 | $0.09 | ||
| Q4 24 | $1.80 | $0.07 | ||
| Q3 24 | $1.93 | $0.01 | ||
| Q2 24 | $1.75 | $-0.01 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $627.6M |
| 总债务越低越好 | — | $631.1M |
| 股东权益账面价值 | $3.1B | $2.7B |
| 总资产 | $29.2B | $8.7B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资AXDAY
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $2.6B | $627.6M | ||
| Q2 25 | $1.9B | $625.2M | ||
| Q1 25 | $2.0B | $557.3M | ||
| Q4 24 | $2.4B | $579.7M | ||
| Q3 24 | $2.6B | $494.1M | ||
| Q2 24 | $2.0B | $465.4M |
总债务AXDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $631.1M | ||
| Q2 25 | $312.7M | $631.8M | ||
| Q1 25 | $377.4M | $632.4M | ||
| Q4 24 | $358.7M | $1.2B | ||
| Q3 24 | $313.5M | $1.2B | ||
| Q2 24 | $325.7M | $1.2B |
股东权益AXDAY
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | — | ||
| Q3 25 | $2.8B | $2.7B | ||
| Q2 25 | $2.7B | $2.7B | ||
| Q1 25 | $2.6B | $2.6B | ||
| Q4 24 | $2.5B | $2.5B | ||
| Q3 24 | $2.4B | $2.6B | ||
| Q2 24 | $2.3B | $2.5B |
总资产AXDAY
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | — | ||
| Q3 25 | $27.4B | $8.7B | ||
| Q2 25 | $24.8B | $8.5B | ||
| Q1 25 | $24.0B | $9.5B | ||
| Q4 24 | $23.7B | $9.1B | ||
| Q3 24 | $23.6B | $8.1B | ||
| Q2 24 | $22.9B | $9.0B |
负债/权益比AXDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | 0.12× | 0.23× | ||
| Q1 25 | 0.14× | 0.24× | ||
| Q4 24 | 0.14× | 0.47× | ||
| Q3 24 | 0.13× | 0.47× | ||
| Q2 24 | 0.14× | 0.49× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $31.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AXDAY
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | — | ||
| Q3 25 | $118.4M | $31.2M | ||
| Q2 25 | $490.3M | $112.7M | ||
| Q1 25 | $73.7M | $49.6M | ||
| Q4 24 | $162.5M | $81.0M | ||
| Q3 24 | $70.8M | $91.8M | ||
| Q2 24 | $305.5M | $99.2M |
自由现金流AXDAY
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | — | ||
| Q3 25 | $109.3M | — | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $65.1M | — | ||
| Q4 24 | $156.4M | — | ||
| Q3 24 | $53.0M | — | ||
| Q2 24 | $269.5M | — |
自由现金流率AXDAY
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 33.8% | — | ||
| Q2 25 | 135.7% | — | ||
| Q1 25 | 21.1% | — | ||
| Q4 24 | 50.8% | — | ||
| Q3 24 | 16.5% | — | ||
| Q2 24 | 92.6% | — |
资本支出强度AXDAY
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | 16.9% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 5.5% | — | ||
| Q2 24 | 12.4% | — |
现金转化率AXDAY
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | — | ||
| Q3 25 | 1.05× | — | ||
| Q2 25 | 4.43× | 5.29× | ||
| Q1 25 | 0.70× | 3.33× | ||
| Q4 24 | 1.55× | 7.50× | ||
| Q3 24 | 0.63× | 45.90× | ||
| Q2 24 | 2.91× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AX
| Net Interest Income | $306.3M | 78% |
| Noninterest Income | $86.0M | 22% |
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
